Apply Online Now!


Representative Example

Loan Amount (for 4 months)
Three Repayments of
One Final Repayment of
Total Repayment
Interest Rate
292% pa (fixed)
1244.0% APR

Here at Uncle Buck, we have been trading under our original name since 2004, making us one of the longest-standing and established lenders still on the market. Alongside a number of other online payday lenders, we offer short-term lending products to help customers manage their unexpected expenses. These products are typically offered unsecured and for relatively small amounts that are designed to be repaid over a matter of months.

Many payday loans companies provide a choice of credit to those that apply. Bad credit loans, loans without the need for a guarantor and flexible instalment plans are all options offered to help those who may be looking to take out a short term loan. Payday loans are not suitable as a means of longer term financing nor are they suitable for those already in financial difficulty.  We make this clear on our website and in our customer facing documentation.

As a part of our commitment to transparency, we have gathered together many of these other payday lenders below, alongside what they currently offer and their independent rating.

Uncle Buck

Having been trading since 2004, Uncle Buck are today the longest standing online short-term lender still on the market.

What Uncle Buck offer: Uncle Buck offers short-term loans of up to £1000 with repayment plans set out over four or six months. A provisional decision regarding the loan application is given right after completion, and if successful, money is transferred within 15 minutes.

Rating: 5 Stars out of 5 from 809 reviews on Yotpo.


Launched in 2012, Bournemouth-based PiggyBank is a part of the fintech company DJS (UK) Limited.

What PiggyBank offer: PiggyBank offer short-term loans for amounts of £100 to £1000 available to borrow from between seven days to five months.

Rating: Rated 4.7 stars out of 5 based on 441 reviews on Feefo. 


Founded in 2006, Wonga was once a leading name in the short-term lending market with operations in the UK, Spain, Poland, Canada and South Africa before going into administration in 2018.

What Wonga offer: During the period it was trading, Wonga offered short-term loans, as well as business loans and internet payments.

Rating: Rated 8.8 out of 10 based on 1591 reviews on Trustpilot.


Part of Enova International alongside brands including Pounds to Pocket and The Business Backer, Quickquid have been lending to customers since 2007.

What QuickQuid offer: Short-term loans of up to £1500 (a maximum of £1000 for new customers) available with a number of repayment options alongside the chance to top up and extend the loan. Money could be sent to account within 10 minutes of approval.

Rating: Rated 1.2 out of 10 based on 483 reviews on Trustpilot


Launched in 2013, Satsuma loans is a part of Provident Personal Credit Limited who have been providing customers with a helping hand for over 135 years.

What Satsuma offer: Satsuma offer short-term loans for amounts of up to a £1000 with the option of weekly or monthly payments spread out from three months up to a year. Approved applicants can typically expect to receive their money within an hour of being approved a loan.

Rating:  A score of 4.68 out of 5 from 2873 reviews on


A trademark of Cash On Go Ltd, Peachy have been specialising in short-term loans since 2010.

What Peachy offer: Short-term loans of £100 to £1000 repaid over a period of one to 12 months. The majority of loans are deposited in approved applicants accounts within the hour.

Rating: A score of 8.5 out of 10 from 1,506 Trustpilot reviews.

247 Moneybox

Beginning life back in 2009, 247 Moneybox are amongst a number of innovative next-generation finance companies aiming to provide a more flexible approach to lending.

What 247 Moneybox offer: 247 Moneybox offer short-term loans for amounts up to £800 (limited to £200 for first time borrowers). Payment is typically paid out the same day if approved before 5pm or the next working day if after this time.

Rating: Rated 8.1 out of 10 on Trustpilot based on 3,354 customer reviews.


Advocate for the debt support charity PayPlan, MyJar have been offering loans since being founded in 2009.

What MyJar offer: MyJar provide both short-term and long-term borrowing options. Their short-term loans are available for amounts of up to £3600 for either three, six or 12 months. MyJar’s long-term loans, known as MyJar Plus, can be borrowed for up to 2 years for amounts of up to £7200.

Rating: A Trustpilot rating of 8.9 out of 10 based on 5,593 reviews.

Mr Lender

One of the lending sectors better-known names, Mr Lender has been providing short-term loans since 2009.

What Mr Lender offer: Mr Lender provide short-term loans of £200 to a £1000 (limited to a maximum of £500 for first time borrowers) available for up to six months. Loans are usually paid out within an hour of approval.

Rating: 9.5 out of 10 rating on Trustpilot based on 5,528 reviews.


A part of GAIN Credit LLC alongside Lending Stream, Drafty have been offering their line of credit approach to customers since 2016.

What Drafty offer: Neither a short-term loan nor an overdraft, Drafty instead offer a ‘line of credit’. This works much like a pot of cash would, in that you can dip in and out of when you require, only paying interest when you actually borrow. Customers can apply for between £200 to £3000, and once a line of credit is open, money can be transferred within 90 seconds of the request.

Rating: A 9.2 out of 10 rating from 7,710 reviews on Trustpilot.


Currently operating in 25 countries across Europe, Africa, Asia, North and South America, Ferratum have expanded rapidly since starting up back in 2005.

What Ferratum offer: Ferratum offer short-term loans for a maximum of four months (62 days minimum) for amounts ranging between £50 to a £1000. Loans are transferred to approved customers seven days a week and often within two hours.

RatingAn 8.0 out of 10 rating on Trustpilot from 854 reviews


Since being established in 2014, Cashfloat have helped over 40,000 customers across the UK access the cash they require with short-term loans.

What Cashfloat offer: Cashfloat offer short-term loans of £200 to £1100 with four different repayment options available. Customers could receive an approval decision within 90 seconds, and if accepted, have their loan transferred to their account within two hours.

Rating: Rated 4.81 out of 5 based on 535 reviews on


Based in London, Moneyboat operate as a part of Evergreen Finance London Limited.

What Moneyboat offer: Moneyboat offer short-term loans of £200 to £1500 (up to a maximum of £800 for new customers) repayable over 6 months which can be spread out over two to six instalments.

Rating: A 9.5 out of 10 rating on Trustpilot from 2,413 reviews.

Pounds to Pocket 

Part of the CashEuroNet UK family, Pounds to Pocket is now better known as its sister brand On Stride Financial. This merger was due to both companies offering similar products with overlapping features.

What Pounds to Pocket offer: Pounds to Pocket offered short-term loans.

Rating: Pounds to Pocket had rating of 0.7 out of 10 from 197 reviews on Trustpilot before it merged with On Stride Financial.

Lending Stream

Established in 2008, Lending Stream are a part of the GAIN Credit LLC, which also boasts Drafty amongst its other brands.

What Lending Stream offer: Lending Stream provide short-term loans of up to £800 for new customers and £1500 for returning customers, available to borrow for periods between two to six months. Successful applicants could have their cash transferred to their accounts within 90 seconds.

Rating: Lending Stream hold a 9.3 out of 10 rating based on 11,197 reviews on Trustpilot.